I just got a call from this number to my cell phone.

If you are over sixty, the FTC takes it very seriously. They took my report on this scam phone number that keeps calling. They are trying to bamboozle seniors out of their meager income.

Dyson and Associations if you google it appears to be some outfit in Australia. What kind of outfit is this place that calls? Sounds fishy.

Be sure to call your State Attorney General's office and the Federal Trade Commission.

Got a call from Dyson and Associate's I knew I didn't owe no loan company, so I told them I would see them in court.  I called my nephew he's a lawyer he said no law enforcement agent would ever call that is a civil suit. He also said it was a fraudgulent company n I should report the number.

Very strange person answers this number when you call back. Oddly defensive when you just ask their name or their company name, per FTC standards.

Why do they call and refuse to identify themselves at this phone number? Why do they ask for people I never heard of, claiming the person has used my phone number?

Nice try shill. And another nice fail as well.

What, pay a bill they don't even owe?  Give money to someone whose behavior is clearly in violations of the parameters of the FDCPA?  Take advice from an illiterate such as yourself who post some self-congratulatory pontifications such as yourself.

The only person making an excuse here is you.  You are a sorry excuse for a human being posting your shillish nonsense here.  "Pretending" you owed a debt to these bottom feeders and paid it.  They daring to lecture others.  All the while hoping to find victims by accusing people of claiming claiming the victim role.  True hubris.

My only question for you is are you even smart enough to feel stupid?

As Thia said above, responsible American's do not pay bills they do not owe Shill..  Its called Validation! And like TX, I'm going to do the right thing by calling you out!  By your way of thinking, just because some extortion scammer calls and say's someone owes, they need to pay it..  Wrong!   And no one said no ones owes money either BTW.. some few probably really do, but not to a scam outfit. And they still have rights no matter what you try to shilly by with.  Bankruptcy's and SOL do apply regardless how much you scam ops wish it didn't - too bad how sad! Now scurry back down that worm hole back to the boiler room --->

Section 809 of the FDCPA http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre27.pdf requires 3rd-party debt collectors to give debtors written notice of debt (the key word is *shall*) :
"§ 809. Validation of debts
(a) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing?
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector; and
(5) a statement that, upon the consumer?s written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor."
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A Collection Agent May Not?

Here are the top 11 actions prohibited by the The Fair Debt Collection Practices Act:

Misrepresent Him or Herself

  A debt collector may not misrepresent himself as an attorney or law enforcement officer.

Use the Telephone to Annoy or Harass

  A collection agent may not cause a telephone to ring or engage any person in telephone conversation repeatedly or continuously with an intent to annoy, abuse, or harass anyone at the called number.

Threaten Arrest or Lawsuit

  A collection agent may not threaten a consumer with arrest. It may not threaten legal action that is either not permitted or not actually contemplated. In other words, a the threat of a lawsuit may be an empty one.

Use Abusive or Threatening Language

  A debt collector may no use abusive or profane language in the course of communication related to the debt.

Publish a Bad Debt List

  Publishing the consumer?s name or address on a "bad debt" list is prohibited.

Contact By Embarrassing Media

  A debt collector may not communicate with a consumer by post card. It may not use any language or symbol, other than the debt collector?s address, on any envelope when communicating with a consumer by use of the mails or by telegram. A debt collector may use its business name if such name does not indicate it is in the debt collection business.

Contact a Consumer at Work

  A collection agent may not communicate with consumers at their place of employment after being told this is unacceptable or prohibited by the employer.

Seek Unjustifiable Amounts

  A debt collector may not demand any amounts not permitted under an applicable contract or as provided under law.

Contact a Consumer Represented by an Attorney

  A collection agent may not contact a consumer after it learns the consumer is represented by a lawyer.

Communicate With a Consumer After Receiving a Validation Request

  If a consumer sends a written §1692g response within 30 days, the collection agent may not communicate with the consumer until it mails the consumer the requested verification of original creditor's name and address.

Communicate With Third Parties

  A debt collector may not reveal or discuss the nature of a consumer?s debts with third parties other than the consumer?s spouse or attorney. A collection agent may contact neighbors or co-workers only to obtain location information. It may contact a third party again if it has reason to believe the information the party provided previously is false.

Bills.com FDCPA FAQ

Below are questions Bills.com readers ask frequently:

Can a Collection Agent Call My Cell Phone?

  Yes. However, if you tell the debt collector it may not use that number because it is a cell phone, it may not contact you again at that number.

I Keep Receiving Dozens of Calls From Collection Agents. Is That Legal?

  No. Unscrupulous collection agents will use "block parties" or "office parties" where they contact a consumer, multiple neighbors, or co-workers telling them they need to reach the consumer on an urgent matter. This is not permitted under the FDCPA.

A Collector Says I Will Be Arrested if I Do Not Pay

  This was a true statement before the US Civil War, but has not been true since. People may be arrested if an aggressive judge files a bench warrant for a person who does not appear at a hearing relating to a lawsuit regarding a debt. However, in that case, the offense is the failure to respond to a court order, and not the existence of the debt. As stated above, it is illegal under the FDCPA to threaten a consumer with arrest if the consumer does not pay the debt.
*****************************************

http://800notes.com/forum/ta-86217073a9c8dad/ ... 077595690349410
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http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors
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http://www.deadiversion.usdoj.gov/pubs/pressreleases/extortion_scam.htm
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http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
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http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ...
http://www.consumer.ftc.gov/articles/pdf-0096-fair-credit-reporting-act.pdf
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Please do file reports with the FBI, your state attorney general and Department Of Justice,FTC & FCC if you feel your being scammed (extortion scamming)..

http://www.ic3.gov/default.aspx
http://www.fbi.gov/
https://www.ftccomplaintassistant.gov/#&panel1-1
https://esupport.fcc.gov/ccmsforms/form1088.action
http://www.consumerfinance.gov/complaint/

OK I  get it now...we all pay our bills and  we are all victims. Right! now everybody sit around the campfire and let's sing
Kum Bah yah!!!! Horse pucky!!
This  may be a  novel thought for some people but consider this:
If it's a just debt... the right thing to do is to pay it. Wow!
Responsible Americans do not make excuses; they  live up  to their obligations!


[Admin Edit Dec. 1 2013]

} you can file a complaint with the FCC

.... but it will not be relevant. The FCC has very little jurisdiction over debt collectors, even fraudulent ones. You want the CFPB and FTC.

} spoofing was illegal. Spoofing is when you get the same call from the same person using different numbers.

WHAT?! How in any universe is "using different numbers" the same as spoofing? Do you pay a telco to use more than one number? Does that mean you're spoofing yourself? A company can purchase and use all the phone numbers it likes, just like you.

You as the call source don't have a spoof until the phone number (CNUM) or the name tag (CNAM) is manipulated to display what does not or could not belong to you, in other words a deceptive abuse of the Caller ID system. The Truth In Caller ID Act you're trying to invoke was not written to apply to debt collectors, and it takes a quite narrow range of circumstances before it could.

Useful discussion from December 2012 is found here:
http://800notes.com/forum/ta-6bb16173db9ea0c/fbcs

} You could earn upto [sic] 1500 dollars per case.

Where did you get that one? Something you half read about the TCPA, another law which *does not apply* to debt collection? First thing, a winning TCPA plaintiff *may* be awarded up to that $1500 per *violation*, not "per case". Second, when you sue a debt collector, it's most often for violating FDCPA and similar state laws, which does not allow you to stack up statutory awards.

Your price tag statement following a fast cut-paste is also misleading in suggesting that by dropping off a few lines of complaint a federal agency will magically reward you with money. If you want a damage award, you have to go to court yourself, which means you need a sober review of your facts and the will to prosecute under *the correct laws*. Meanwhile you've miscategorized debt collection activity as a "Prank Call", casting serious doubt on your chances.

Honestly, I think you need to stop right there and do much more homework before you go around sprinkling what you think is good advice. The CFPB and FTC each have volumes of helpful documents to get you started.

http://www.ftc.gov/os/statutes/fdcpajump.shtm
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

You realize that repeating the same tantrum from three days ago is not advancing your argument or this discussion, yes?

The only one whining and making excuses and grinding an ax is you, a blatantly obvious cheerleader for a company of thieves desperate to justify their own shirking of *LEGAL* obligations. The complaints here detail extortionist threats delivered to collect so-called "debts" which nobody wants to validate. You don't win any "they hit us back first" defense for bullying and bluffing your way to a commission.

RESPONSIBLE AMERICANS
I owed it and I paid it! (If you do not owe it then do not pay it!) Some of these comments stink because they are obviously made by irresponsible people who are just making excuses; people who will say anything to weasel out of standing up to their legitimate financial obligations. Some of these whiners act as if they have an axe to grind and as if they have a chip on their shoulder.   I disagree with some of you and you call me names? Wow! Standing up to our commitments and not ? making excuses, is what makes this country great. My word is my bond and I just believe in paying my bills.


[Admin Edit Dec. 1 2013]

Thank you so much.

The Federal Trade Commission (FTC), the nation's consumer protection agency, is warning consumers to be on the alert for scam artists posing as debt collectors. It may be hard to tell the difference between a legitimate debt collector and a fake one. Sometimes a fake collector may even have some of your personal information, like a bank account number. A caller may be a fake debt collector if he:

?is seeking payment on a debt for a loan you do not recognize;
?refuses to give you a mailing address or phone number;
?asks you for personal financial or sensitive information; or
?exerts high pressure to try to scare you into paying, such as threatening to have you arrested or to report you to a law enforcement agency.

If you think that a caller may be a fake debt collector:

?Ask the caller for his name, company, street address, and telephone number. Tell the caller that you refuse to discuss any debt until you get a written "validation notice." The notice must include the amount of the debt, the name of the creditor you owe, and your rights under the federal Fair Debt Collection Practices Act.
If a caller refuses to give you all of this information, do not pay! Paying a fake debt collector will not always make them go away. They may make up another debt to try to get more money from you.?Stop speaking with the caller. If you have the caller's address, send a letter demanding that the caller stop contacting you, and keep a copy for your files. By law, real debt collectors must stop calling you if you ask them to in writing.
?Do not give the caller personal financial or other sensitive information. Never give out or confirm personal financial or other sensitive information like your bank account, credit card, or Social Security number unless you know whom you're dealing with. Scam artists, like fake debt collectors, can use your information to commit identity theft ? charging your existing credit cards, opening new credit card, checking, or savings accounts, writing fraudulent checks, or taking out loans in your name.
?Contact your creditor. If the debt is legitimate ? but you think the collector may not be ? contact your creditor about the calls. Share the information you have about the suspicious calls and find out who, if anyone, the creditor has authorized to collect the debt.
?Report the call. Contact the FTC and your state Attorney General's office with information about suspicious callers. Many states have their own debt collection laws in addition to the federal FDCPA. Your Attorney General's office can help you determine your rights under your state's law.

http://www.consumer.ftc.gov/articles/0258-fake-debt-collectors

Google Scott Dyson and Associates and see if there is anything that seems legit because I was concerned about the woman's tone and  her defensive manner. As a retired guidance counselor and over 60 year old person, I still know that when someone stammers and gets defensive when you ask gentle questions like "May I have the name and address of your company", this usually means they are trying to hide something.

Received a call from a company that calls themselves "Scott Dyson & Associates" out of Atlanta, GA. They had my name, address, and last four of SSN.  The lady whom I spoke with stated that there were two claims against me. Did not give me the names of anyone or any company that has filed claims against me.  When I told her to send me all the papers, she hung up.  This is nothing but a scam.

Yet you DO choose to sling mud at the other posters who were called by this bunch of FDCPA-violating scammers.

If you really treasured your good credit you wouldn't have developed the common shill disease of Loan Amnesia.  You'd have paid your loan back promptly.  Oh wait, there was no loan... I forgot ... you're a SHILL!

How about YOU stop whining and find a real job that doesn't involve scamming people.

WOW - finally a shill telling us NOT to pay  a debt.  Has H3LL frozen over???

Ok I am doing the responsible thing by calling this out. Sure everyone knows who they owe money to and pay their bills. I just have a big problem paying scam artists who can not prove who they are and if they have legal rights to collect debts in my state. Er-go no money from me is a big problem for them as they could not shake it out my pockets.

All the "responsible Americans" I know don't attempt to scam their fellow human beings. Methinks your name is a wee bitty of a misnomer, Shill.

Dear Responsible American,  I do not owe any money to anyone and I got the call. It was from Scott Dyson & Associates phishing for information to commit financial fraud.  If they call you, they should not be asking what number they called OR what your personal information is because they should already have that.  Fraudsters like that try to scare people into giving them personal information like bank account info, social security number etc.   I guarantee if you give it to them, you will have ID theft.   If you think a call might be legit, you should call them back after you have looked for their number online or in the phone book, and then have them verify to YOU what social and bank account number they have on file.   When you call these fraudsters on their ways they get nasty or hang up, plus any legal firm will MAIL  you info about an complaint and not call you so they have records of service.   I work in the banking industry lending & fraud dept. so I know what I'm talking about.   And, yes if you owe someone money you should pay it but you know who you owe.

I reported her to the State Attorney General and he will forward it to the appropriate federal agency if necessary. What this person at this number does is to leave a very deep voice message that is likely to frighten people. She uses a recorded man's voice. When you call her back at her request she becomes evasive and aggressive. We do not owe anyone any money. She starts raising her voice at you when you call her and begins to try to intimidate you even though you know you do not owe anyone money and you have no idea who used your phone number or why on whatever application. She will not expound. Sometimes deadbeats use other people's numbers. She should be kinder to those victims because they are already victimized by someone falsely using their number and now they are victimized because she is yelling at the victim who is confused about who the heck used their phone number falsely in the first place.

We encourage everyone to pay their bills. But....ONLY bills that are legitimately owed & that have been validated. If some bottom crawling scumbag calls, you tell "it" that you will be expecting that notice of validation (by mail) within 5 business days. When "it" starts with excuses, threats etc; "it" will have proven that "it" is nothing but a bogus/fraudulent debt collector. At this point you will hang-up on "it".
NEVER talk with a bogus/fraudulent debt collector! They are such filthy creatures that it could be possible to contract some dreaded disease by merely speaking with one on the phone! At the very least, trying to communicate with one will lower your IQ. They are cursed & foul beings!
If  ANY debt collector calls, you calmly inform him/her that you are fully aware of your rights under the FDCPA. Let them know that they WILL adhere to federal regulations or they will not get a penny from you. Always remember...you are most likely talking to an idiot. Legitimate or not, debt collectors are not hired for their intelligence. Bogus & fraudulent debt collectors are hired because they're desperate enough to accept the job. Their success at it depends on the depths of their depravity. A successful bogus debt collector is an example of how low a human can sink. On the evolutionary ladder a bogus debt collector is on the same rung as the flea or louse.
Yep, everyone should pay their bills. But NEVER lose money to a parasite! Know your rights! Learn to spot a FRAUD! Like this guy here!
Skeff Ett Liv!
Gunnar

I owed money for this pay day loan and I gladly paid it because I treasure my good credit.
I refuse to be a  paranoid deadbeat complaining about collection agency calls. Sure I was embarrassed when they called me but I do not  choose to sling mud because of my own oversight. Some of these comments  stink because they are made by people who are just making excuses. Those of us who simply had to be reminded and then lived up to our obligation, are left in the same bag as the excuse makers and that is unfortunate, because we are not like them. Pay the people their money and stop whining.

[Admin Edit Dec. 1 2013]

Well there is not a lot I can add to what has already been said, but yes you can do something about it, I found out you can file a complaint with the FCC on line, the form you need is a 1088C, And you can file all the information there, This is an illegal act and President Obama, sign in law Dec 12, 2012 that spoofing was illegal. Spoofing is when you get the same call from the same person using different numbers. I highly recommend you all file against this company or companies. With out your reports, the Feds do not know. That is what most of these companies are counting on.
We invite you to visit the FCC?s Consumer & Governmental Affairs Bureau?s Internet web site at http://www.fcc.gov/cgb for more information. You may also call the FCC?s Consumer Center toll free at 1-888-CALL-FCC [1-888-225-5322], TTY: 1-888-TELL-FCC [1-888-835-5322]. You could earn upto 1500 dollars per case.

the call came in as a recording saying that my phone number my social security number in my banking account information has been tampered with. they got upset when I asked for the name of the company. this is just a ploy to get your personal information. do not give them any information.
They Wanted to know what the recording was saying. then they also want the phone number that they called. I refused to give him the phone number because I told them They should know since They just called it. they do have caller ID so they know whos calling them back. if you start giving them Lip they don't want to talk to you they are looking for an easy target! beware!!!

I just got a call from this same phone number. They said the same thing, they are a law office and collecting on a debt. and that I had an old unpaid payday loan, then they told me I issued a bad check and committed fraud.. They handed me off to 3 different people, when I told them I felt they were a fraud... unreal. Is there a hotline we can call to get these a**les caught?

770-807-7467 Caller ID says "Legal Mediation." First messages says "This is an important matter from the Firm of Scott Ison? (Tyson?) and Associates. Regarding, possible fraud activity linked to a bank account and social security number  associated with this telephone number. It is our hope to get your side of the story. Contact the risk assessment specialist..(recites phone number 2 times)...This matter must be resolved immediately.

Scott Kennedy claims to be an investigator that confirmed my social security with my family and my full name and address. Claims that a man Mike (Michael) Medina used my social and address to take out a pay day loan at Ace Cash Express in "insert my home town." Also says Mike used a california drivers license and sent the money to a store front in california.

Not sure what to think about this because I can't find anything on this business or this person. I will be contacting said payday loan company tomorrow along with the local authorities.